Flood Insurance

Protect with Flood Insurance

Protect with Flood Insurance

Coverage for damage from flooding is generally excluded on other insurance policies, like homeowners.  There are two routes to coverage: The FEMA federal-mandated program and the Private Flood Insurance market.


The FEMA program is operated by the Federal Emergency Management Authority (FEMA). It provides up to $250,000 protection for buildings and up to $100,000 for contents. Coverage must be purchased through licensed insurance agents.


A newer option is flood insurance through private insurers, referred to as the Private Insurance Market. It offers options that may better fit your needs, such as higher coverage limits, replacement cost coverage, reduced waiting period or immediate coverage in some cases, and deductible options. We represent all the major carriers of private market flood insurance, and can help you find a policy to protect your property.


We can help you understand the way both types of coverage operate, explain the risks and benefits, and then arrange your flood insurance quickly and at the best value.


Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property & flood risk.

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Why You Should Act Now to Arrange for Flood Insurance

A FEMA flood insurance policy normally carries a 30-day waiting period before it becomes active. The NFIP may waive its waiting period if you purchase new or add to existing flood insurance because of a mortgage or loan requirement.


A flood policy purchased through the Private Flood Market will have either immediate coverage or a 14-day waiting period.


The time to purchase flood insurance is BEFORE you need it!

What is a flood?

The Federal Emergency Management Agency (FEMA) defines a flood as :

"a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow."

Flooding can occur from:

  • The overflow of inland or tidal waters
  • The unusual and rapid accumulation or run off of surface waters from any source
  • Mudflow

What is the Community Rating System Discount?

The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). Over 1,500 communities participate nationwide.


Participating communities are assigned a rate class from 1-10, with premium discounts ranging from 45% for a Class 1 to 0% for a Class 10. These discounts reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:


1. Reduce and avoid flood damage to insurable property
2. Strengthen and support the insurance aspects of the National Flood Insurance Program
3. Foster comprehensive floodplain management

These discounts only apply to flood insurance policies written through FEMA. You can find the discount that is applied to your policy on your policy's declaration page. To see  the discount your community qualifies for, click here.

Why Choose Heist Insurance Agency?

Since the federal flood program was introduced in 1968, we have been involved at the local level in our communities as a stakeholder in preventing floods and educating property owners on hazard mitigation and flood insurance solutions. 

Contact us to see how we can help!

Frequently asked questions

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